# PENNCREST BANK
ALTOONA, PA · FDIC certificate 30119 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $247.1M | |
| Deposits | $210.0M | |
| Loans and leases | $156.4M | |
| Total equity | $30.2M | |
| Loans / deposits | 74.36% (p51 of band) | 73.59% |
| Liquid assets / assets | 31.69% (p48 of band) | |
| Uninsured deposits / deposits | 6.40% (p6 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.59% (p62 of band) | |
| FHLB advances / assets | 2.59% | |
| Tier 1 leverage | 13.48% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -16.54% (p28 of band) | -6.57% |
| AOCI / equity | -1.84% (p14 of band) | |
| ROA (annualized) | 0.47% (p17 of band) | 1.17% |
| Net interest margin | 3.07% (p15 of band) | 3.93% |
| Efficiency ratio | 80.93% (p80 of band) | |
| Noncurrent loans | 0.50% (p56 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | 33.21% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 24.52% (p58 of band) | |
| Auto loans | $7.5M (4.81% of loans; DQ 2.02%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | uninsured deposits leaving |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity, reserve under noncurrent |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | uninsured deposits leaving | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-06-19 [Cresson Lake Playhouse, PennCrest Bank hosts music festival - WJAC](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdEtVSlQ0TFIydFozczd3YW5sMk52UVVzMlJLQk5lTGFVZjRUXzhGTXYySTA0Nm93SHh3aU9vVGZldk1IdGhMMVNDckdTQXRXYnBQVEl4X0ZTSGVvY25FZlg5WWcxalBQUEVVcmRLNE5DX0VmR2gwU1MtVDdSUl9rT1hoNWtPN0tZWVNzbGdtRHFfUQ?oc=5) · WJAC
- 2021-11-08 [Altoona bank president recognized for leadership skills - - Altoona Mirror](https://news.google.com/rss/articles/CBMirwFBVV95cUxPY0l5SDRYaFdwSm5Ta2FNVXhfYV9oeV8tOUNDLS1OdzJ4VUV1aDFMZktYajIzRml0SU4zZnRKcVRFOFFPa21OMmR6YVE0ai1RQ3VxZUVGSDFrdmpGVFphb1RMemhrelUwZUZuOGdlLXh5UW1VQ241aXh3MGtpd29pNnM4a2FRWGl4OWVzdi1NOGVRbV9RMjdLMGQtcFRjN3Y1NUt5ZTNCY2NvcXBIbjlV?oc=5) · Altoona Mirror
- 2017-04-29 [PennCrest hires chief financial officer - The Tribune-Democrat](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQWtIdkhTQWZtMHVvSjlhU3FQVXVnVEstRy1qazFiYVdXWl9jWEFRWkNfLTdra0ZnWGZmV09femxGY3MzbXlTRmZES2JLa0ZzUnBiMC0wQy1aY1FzTGs0ZTI0RVE2ZFhHNUMzOElhWC0yS2xhUnZhbkRfTWZEcE1YX1JhekxxSGlYTng0THlLU2MyR1JqS01hYTBOV1NBSXgyTldrMFJoc2FUWWdUMzNXNmQ4alZZUXpCVmc?oc=5) · The Tribune-Democrat
- 2025-07-30 [It takes two: KarPro takes Altoona Teener League 15U title - - Altoona Mirror](https://news.google.com/rss/articles/CBMipgFBVV95cUxPZHQycjUzaXNqTkU4cjJJN19LQ0VmbFUtSUNmZVJfSW9XS0VzQ19UV0NfYmNJQUVTbk9xZ044SVB4bHVSaElNQTg3UUpyRVVseWlhckFYRF9xb1ptWkFvazVKQTVQVVRUUDhFU2tNQWx2QWhBSVN5ZHJkMUo0YUkzbTNuWE41NlIyZjc1OTBLVHJfWFNhLXJYQ2lnc2N6dF8xLVpyUlB3?oc=5) · Altoona Mirror
- 2021-06-17 [10 things to do in Central Pa. this weekend - WTAJ](https://news.google.com/rss/articles/CBMiggFBVV95cUxNdWpaWlBDczlkTTZjWjI2d01JY29zVFNyU2tsSkFHNUhNX2g5cU5TdWFUenJIS2pNU1RRVXotc1dWalhYQlVYT1FQUk9SXzRlaUgtZXh5ekprM3R1cWlXRTVYM3JIWXBJWDhUSXM3NU9iYnNFWmpQOWl6MzJTWE9TWlJn0gGHAUFVX3lxTE5Pdjdmd0NmZUw4bDV6WVBIb0FTQndTS2VqMEZDYmQyQjB6TlFkd19hZHdvbnlWSHZEeXF2R05GbzdwZjljaTJDVEdkYk1LVk5ZT2V2bHBKYnRVRHVOdzBsQXlEMkJ1cDdWd2dHSmhWd0xHT1k4VmM4cVJqcmhuS05WcFpEYk9CSQ?oc=5) · WTAJ
- 2025-07-26 [Brock Porter’s two-run double lifts Lilly Conrad Chiropractic over Blair County Oil in City League playoff semifinal - Altoona Mirror](https://news.google.com/rss/articles/CBMisAFBVV95cUxQeHQteDFVY3B0VE1FQ2Zfak9TbDdZN2E3al8weFQwczE5YlBSZmsxSjFjYW5lMk5BVzZzbzhXc21PRnVmZ3VZYVpwYkNETXB3WEoxd29lNjdhVVUydE5qUk9EXzY2cUhuMkVybTRzLW11cXlDTVhWRTlzXzRaWDAyR0xsSVhkQ0xKZG5fQnVSSXg5dzNSeUVBdUs0Z2N0SkVfSVc4QmwzZmNKTWRkTjVzOA?oc=5) · Altoona Mirror
- 2022-04-02 [‘More than a boss,’ Orr recalled as community asset, good man - - Altoona Mirror](https://news.google.com/rss/articles/CBMisgFBVV95cUxQOHFSRnc0LXpCc2pITkxTT0pMTjFUcnk2TmJRa1BQMldLcGJvVU1LVjk0cFJPOVNjS3U2Uk1OQmxvNzJ1bkRfVFRiT053eHkzakVsajF2a0FSYmo2aVE5VWVfTjBVVC12RzI2Umw4NVJsdURtUVhUM1liemo4eHc5am52TE83N2JuLXJKcU5VcVlNWHVvejgzck02UGdVVjJpWDhEbk5IRWVZeDlMWlBVcDB3?oc=5) · Altoona Mirror
- 2025-05-28 [Central boys volleyball team gets four on all-star squad - - Altoona Mirror](https://news.google.com/rss/articles/CBMitgFBVV95cUxOQVZKRnd4NXhwdXFMWnREbWoxUnNSMW00dXd2VWtZLXgxUEQ3aWVOY1R4cEl5ZVBld2tMVUxqdDlnRVJBS2lUdEU3cEk0YXFUTFlkZ1dCWmV5VXY1TlF1WGNjQ0hwWVVJcnlGUWdrWkQzcEtUX2h3V0FZR3k1NFp4SXhvblIwNE9pT2JVeThDcHZVVEhQRmRfaVkzcTJQbnhXUGlSR2pQd0MzNEREVl9YUExYY3dnUQ?oc=5) · Altoona Mirror

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30119 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/39.json (key "30119", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide